Credit Union

The first line of the credit union's name that will appear on all reports, notices and the member statements. This is a branch-level field. The credit union can specify a different return address for statements using the Statement Return Address window.

Length: 25 alphanumeric

(Portico Host: 901 Transaction - NAME field 1)

The second line of the credit union's name that will appear on all reports, notices and the member statements. This is a branch-level field. The credit union can specify a different return address for statements using the Statement Return Address window.

Length: 25 alphanumeric

(Portico Host: 901 Transaction - NAME field 2)

The credit union's telephone number. The first three digits indicates the area code, followed by the phone number. This field will automatically print on late notices. This is a branch-level field. The system uses the phone number on the Credit Union Profile - Credit Union tab for the Escrow Analysis Notices Report 466 if a phone number does not appear on the 465 Report Rules.

Length: 10 numeric

(Portico Host: 901 Transaction - TEL field)

The branch associated with the profile options.

The system teller ID.

The first line of the credit union's address that will appear on several reports, notices and the member statements. This is a branch-level field. The credit union can specify a different return address for statements using the Statement Return Address window. The system uses the address on the Credit Union Profile - Credit Union tab for the Escrow Analysis Notices Report 466 if an address does not appear on the 465 Report Rules.

Length: 25 alphanumeric

(Portico Host: 901 Transaction - ADDR field 1)

The second line of the credit union's address that will appear on several reports, notices and the member statements. This is a branch-level field. The credit union can specify a different return address for statements using the Statement Return Address window. The system uses the address on the Credit Union Profile - Credit Union tab for the Escrow Analysis Notices Report 466 if an address does not appear on the 465 Report Rules.

Length: 25 alphanumeric

(Portico Host: 901 Transaction - ADDR field 2)

The city where the credit union resides. The city will appear on several reports, notices and the member statements. This is a branch-level field. The credit union can specify a different return address for statements using the Statement Return Address window. The system uses the address on the Credit Union Profile - Credit Union tab for the Escrow Analysis Notices Report 466 if an address does not appear on the 465 Report Rules.

Length: 18 alphanumeric

(Portico Host: 901 Transaction - CITY field)

The state where the credit union resides. The state will appear on several reports, notices and the member statements. This is a branch-level field. The credit union can specify a different return address for statements using the Statement Return Address window. The system uses the address on the Credit Union Profile - Credit Union tab for the Escrow Analysis Notices Report 466 if an address does not appear on the 465 Report Rules.

Length: 1 alphabetic

(Portico Host: 901 Transaction - ST field)

The ZIP code where the credit union resides. The ZIP code will appear on several reports, notices and the member statements. The first five digits equal the ZIP Code. The last four digits are used for the ZIP+4 suffix. This is a branch-level field. The credit union can specify a different return address for statements using the Statement Return Address window. The system uses the address on the Credit Union Profile - Credit Union tab for the Escrow Analysis Notices Report 466 if an address does not appear on the 465 Report Rules.

Length: 9 numeric

(Portico Host: 901 Transaction - ST field)

The credit union's email address. The e-mail address is maintainable on the E-Mail Addresses window using the Department field set to CU E-mail Address.

Length: 50 alphanumeric

Keyword: EA

(Portico Host: 901 Transaction - E-ML field)

The URL address for the credit union web site.

Length: 255 alphanumeric

The credit union's IRS tax identification number used for 1099 reporting. This number is required and must be greater than zero.

Length: 9 numeric

(Portico Host: 901 Transaction - IRS TAX NBR field)

The credit union's state tax identification number used for year-end state reporting. This number should be entered but is not required.

Length: 11 numeric

(Portico Host: 901 Transaction - STATE TAX field)

Indicates when year-end dividends will be reported on the member's 1099. The valid options are:

1 - Report year-end dividends in the following year (4,1,2,3)

2 - Report year-end dividends in the current year (1,2,3,4) System default

(Portico Host: 901 Transaction - IRS OPTION field)

If selected, the credit union participates in combined federal/state reporting.

(Portico Host: 901 Transaction - COMBINED field)

If selected, only the last four digits of the member’s Social Security Number (SSN), Individual Taxpayer Identification Number (ITIN), or Employer ID Number (EIN) will display on paper or electronic year-end forms and notices. For example, SSN 123-45-6789 would appear as ***-**-6789, EIN 72-3456789 would appear as **-***6789, and ITIN 912-71-6789 would appear as ***-**-6789. This option is defined at the credit union level and includes the following year-end notices:

• 1098 Mortgage Interest (198 Report)
• 1099INT Non-Member/Member Interest Income (104/108 Report)
• 1099OID Original Issue Discount (107 Report)
• 1099R IRA Partial/Total Distribution (109 Report)
• 1099MISC Miscellaneous Income (120 Report)
• 1099S Proceeds From Real Estate Transaction (121 Report)
• 1099C Cancellation of Debt (123 Report)
• 1099SA HSA Distribution (493 Report)
• 1099Q Payments from Qualified Education Plans (502 Report)
• 5498SA HSA Contributions (494 Report)
• 5498 IRA Contributions (498 Report)
• 5498ESA Coverdell ESA Contributions (499 Report)

(Portico Host: 901 Transaction - SECURE ITIN/SSN field)

Indicates the default withholding percentage for domestic member accounts. The Domestic Federal field will contain the current withholding percentage required by the IRS for domestically-held savings accounts and certificates. You can override this percentage at the member level using the Override Percentage field on the Stmts/Reporting/Notices tab.

(Portico Host: 901 Transaction - BWHD field)

Reporting Analytics: Domestic Federal Backup Dividend Withholding Percentage (Header Processing Rules query subject in the Credit Union Rules folder)

Indicates the default withholding percentage for foreign member accounts. The Foreign Federal field will contain the current withholding percentage required by the IRS for foreign-held savings accounts and certificates. You can override this percentage at the member level using the Override Percentage field on the Stmts/Reporting/Notices tab.

(Portico Host: 901 Transaction - BWHF field)

Reporting Analytics: Foreign Federal Backup Dividend Withholding Percentage (Header Processing Rules query subject in the Credit Union Rules folder)

If selected, members can be set up in the branch. Branch accounting also checks this field. In branch accounting, branch 000 used as a clearinghouse. Members will be allowed in branches 001 through 999.

(Portico Host: 901 Transaction - MEMBER field)

If selected, the credit union supports additional branches. Each branch must have its own processing rules/profile. This field is used with branch accounting and reporting.

(Portico Host: 901 Transaction - BRANCH field)

If selected, Portico will post back office fees, share draft fees and ACH fees to the branch associated with the member being assessed the fee. The fees update the fee general ledger account in the member's branch.

If not selected, Portico will not post the fees based on the member's branch. All fees will update the fee general ledger account in branch 000.

Back Office Fees are identified as fees assessed through the Flexible Fee program. The general ledger accounts for Flexible Fees are displayed on the Flexible Fees Maintenance window.

Share Draft Fees including: Returns, Non-Returns,Stop Payment and Overdraft Protection fees. The general ledger accounts for Share Draft Fees are defined on the 450 Report Rules.

ACH Fees including: Returns, Non-Returns, Stop Payment, Overdraft Protection and Origination fees. The general ledger accounts for ACH Fees are defined on the Credit Union Profile - ACH/Payroll tab.

(Portico Host: 901 Transaction - FEE BR field)

If selected, the credit union uses automated branch change to automatically transfer members from branch to branch based on branch activity or home ZIP codes or both. If the check box is selected, the Member Allowed check box cannot be selected and the Branches Allowed check box must be selected for branch 000. The Previous Branch field on the Ownership Information tab indicates the old branch number if the member had a branch change.

(Portico Host: 905 Transaction - AUT BR CH field)

No longer used.

If selected, a masked member number will be printed on notices.

• For notices generated in the back-office cycle, Xs or asterisks (*) followed by the last four digits of the member number will be printed on the notices: XXXXXXXX1234 or ********1234. When the member number is less than four digits, the full member number will be printed on the notices: 123.
• For loans, the member number is concatenated with the note number. The note number is never masked. The secured member number will be printed , followed by a space and the note number: XXXXXXXX7174 10 or ********7174 10.
• For certificates, the member number is concatenated with the certificate number. The certificate number is never masked. The secured member number will be printed , followed by a space and the certificate number: XXXXXXXX7174 3 or ********7174 3.

The member number will be masked with Xs or asterisks (*) depending on the notice. Most year-end notices will print Xs, while other notices, like the certificate maturity notice, will print asterisks (*).

(Portico Host: 901 Transaction - SECURE MBR NBR field)

The effective date used to post dividends to member's accounts. The valid options are:

C - Last day of the current dividend period. System default.

N - First day of the next dividend period

This field cannot be N, if the Cyclical Processing check box is selected.

(Portico Host: 901 Transaction - DIV EFF DTE field)

The deferred compensation option supported by the credit union. The valid options are:

N - Not supported - default

Y - Supported

T - Supported, Texas Deferred Compensation

(Portico Host: 901 Transaction - DEFER COMP field)

If selected, Arizona Deferred Compensation processing is used by the credit union.

(Portico Host: 901 Transaction - DEFER CMP A field)

If selected, the credit union supports Separate Address Per Account. Separate Address Per Account gives members the opportunity to select the location where they want their financial information mailed. The separate address capability allows you to assign an alternate address to statements and a select group of notices and reports. Based on individual needs, some members may need their financial information mailed to their business address rather than their home address. When selecting an alternate address, members must understand that their chosen option cannot be for a specific time period only.

(Portico Host: 905 Transaction - SEP N\A field)

If selected, the state where the credit union or branch resides observes daylight savings time. This is a branch-level field.

(Portico Host: 901 Transaction - DAYLITE SV field)

The time variation between the local time at the credit union or branch and Central Time Zone. For example, a credit union in New York would have +1 or a credit union in California would have -2 to indicate the number of hours that they are different than Central Time Zone.

The valid options are:

-1 thru -9 - The number of hours the local time is behind Central Time.

0 - The local time is equal to Central Time. System default.

+1 thru +9 - The number of hours the local time is ahead of Central Time.

This is a branch-level field.

(Portico Host: 901 Transaction -CST +/- field)